Every account, every currency
Bank accounts, cards, cash and brokers in AED, EUR, USD, PHP or any currency you enable. Each movement keeps the exchange rate of its day; totals are shown in your currency.
Accounts, spending and investments, shared.
Personal and family finance across currencies and people, with investments that live across your accounts instead of in a separate app. Installable on any phone, works offline.
Features
Shared, with real permissions
One workspace for you, one for the family, one for the company. Invite people as owner, editor or viewer and restrict access account by account.
Investments as a dimension, not a silo
Stocks, ETFs, crypto, property, bonds, deposits and loans are projects that cut across accounts. Contributions and returns flow from any account; ROI and XIRR are computed for you, shares per participant included.
Works offline
Add an expense on the metro. It is saved on your device and synced when you are back online, with field-level conflict handling.
Import and classify
Bring your history from MoneyWiz or any bank CSV. Duplicates are skipped, transfers matched, and a three-level classifier learns your categories.
Receipts and expense reports
Photograph receipts, let AI read amount and merchant, export a PDF with every attachment. Company workspaces add an approval flow.
How Moneo thinks about money
- An account is where money really sits.
- A bank, a card, cash, a broker. Every transaction belongs to exactly one account.
- A project is a label across accounts.
- An apartment, an ETF, a loan to a friend. Money in is a contribution, money back is a return, from whatever account.
- A workspace is who shares what.
- Personal, family or company, each with its own currency, members and access rules.